As most young people who…
…do not have credit can testify, getting credit for the first time can be a challenge. Before applying for credit of any kind a work history needs to be established. Creditors want to know that you have the ability to repay. Holding the same job for a year is a good starting point, this creates an impression of job stability.
Choosing what kind of credit to apply for is important. Most local banks have credit building loans. These are small personal unsecured loans or personal loans secured by funds you have in the bank. The repayment period for a personal loan should be a year and you need to make sure the bank regularly reports to credit bureaus.